Breakdown Assistance for Horse Trailers
When you’re transporting a horse, the last thing that you want to happen is to have a breakdown. But if you do, hopefully it’s just a flat tire. That way, if you have a spare, then you can change it and be on your way. But sometimes it’s a worse problem, or may be even the towing vehicle that is broken down. Adding breakdown assistance to your horsebox insurance policy is a great idea, but be sure you know exactly what assistance you’ll get and where.
One of the first things to check on is how far they will be willing to transport your horses in the event of a breakdown. You may find a limit of 25 or 50 miles, after which you will have to pay the hauler. Will they be able to put your horses up overnight at a nearby boarding facility if that’s the best solution? Will there be coverage for emergency vet service or farrier service if the trailer was actually in an accident? Are there any limitations to the number of breakdowns they will help you with before either cancelling the policy or suspending it for a period of time?
Most equine insurance specialists partner with a horse transportation provider to provide the actual service to you when you break down. You need to ask ahead of time who they partner with, and check out their reputations. Are they experienced and knowledgeable about horses? Do they have good horse equipment? Have there been any complaints filed against them? You need to know in advance who is going to be handling your horses when they come to rescue them!
As you can see, there are a lot of scenarios that could wind up being very costly for either you or the insurance company, and you need to know up front which it’s going to be. Ultimately, what you need is to be able to call someone in an emergency and get help, regardless of where you are and how much it’s going to cost. That’s the kind of insurance you are shopping for, and if the insurance agent can’t promise it, then you should keep shopping.
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